Archive for the Snowbirds Category

Types of Insurance Plans

Types of Insurance Plans to get one of the best insurance plan first of all you have to know about their types. It’s a good query, as there are a number of travel insurance types in existence, and selecting among the them all can seem a bit tricky to start with. we describe the primary types of plans in Canada, and what types of insurance are best for Canadians.


Single Trip A single trip policy is suitable for your requirements if you’re intending to travel once inside of a given year. This variety of plan is the most widespread type of plan. Single trip policies only cover individuals for an individual journey away from home.

Multi Trip If you travel repeatedly each year, it may be worthwhile to buy a multi-trip travel insurance policy. A multi-trip coverage offers insurance for numerous trips in a year. Multi-trip plans often have limits around the time period of trips you are able to make. 15 day or one month trip limits are common, however, some firms let you take as many as sixty days on every trip. If you want multi-trip coverage, look into the plan perks that are offered by credit card issuers. One of the charge cards you have in your purse could quite possibly maybe even offer protection! Coverage may include the cardholder’s husband or wife and little ones and can be a great strategy to reduce travel insurance plan costs. Make sure you study the insurance policy and coverage cautiously, so you know exactly what you’re actually getting.

All Inclusive An all inclusive plan may well be effective for you if you want to have complete coverage. All inclusive insurance policies usually cover emergency medical protection, trip cancellation and trip interruption, baggage insurance plans and health evacuation insurance. Numerous all inclusive insurance policies offer high limits for emergency medical coverage. The key downside of most inclusive policies is money. You’ll often pay greater than double the total cost of a single trip plan for all inclusive travel insurance plan. If you happen to be paying attention to how much you want to spend, contemplate getting a simple single trip plan, and choosing a supplementary trip cancellation plan. This can help you save a ton of money. Tip! Make a brief telephone call to your house insurance company to check out if they offer some baggage or personal belongings insurance plan.

Trip Cancellation and Interruption Trip cancellation and interruption insurance is effective if you’re concerned about the expense to you personally in case your trip is cancelled or rescheduled. These kinds of packages are especially a good choice for trips that are high priced. Trip cancellation and interruption insurance plans are also a decent option if you are travelling with multiple people, or if you happen to be travelling along with children. Would you want to take your infant on a long voyage if they’ve only developed a serious stomach virus? It happens all the time.Trip cancellation and interruption insurance will let you cancel your trip for pre-specified reasons like illness of yourself or a travelling companion, or work loss. Always get in touch with your insurance provider to obtain their permission prior to cancelling a holiday. It’s very normal to believe a reason for cancelling is covered under an insurance policy, only to discover out that in fact there’s an exclusion within the plan. You can buy cancel for any reason travel insurance plans, which will let you cancel a holiday for various reasons. These policies generally are somewhat hi


Travel Insurance Protection for Snowbirds

Every winter,active adult snowbirds  flock from northern climates to America’s warmer southern regions. While many of these retirees are coming from the northern United States, some of them hail from neighboring Canada.

Planning a trip is the  most important item to pack is travel insurance. Provincial health insurance only provides very limited coverage for medical expenses outside your province, so make sure you and your family are protected with the right travel insurance.

Flexible Plans:

  • $0 deductible with options available to reduce your premium
  • Single trip plans to cover your trip up to 212 days

Unbeatable Service:

  • Assistant available 24 hours a day, 365 days a year
  • Multilingual interpreters to communicate with foreign countries
  • Covered expenses paid directly, whenever possible
  • Arrangement of return to a Canadian hospital, if necessary

What’s covered?:

  • Expenses for emergency medical attention
  • Expenses for ambulance transportation
  • Expenses for emergency dental treatment
  • Paramedical services
  • Expenses to bring someone to your bedside
  • Expenses related to your death
  • Expenses to return your vehicle home
  • Expenses to bring you home


Snowbirds are typically retirees , and business owners who have a second home in a warmer location or whose business can be easily moved from place to place, such as flea market and swap meet vendors.Some snowbirds carry their homes with them, as campers  (mounted on bus or truck frames).

The affectionate term “snow birds” is frequently applied to travelers looking for a warm escape from cold weather.

Here are 3 tips for getting the cheapest rates:

1. Consider which types of insurance you will be needing:

Travel can take on many forms, especially when it is for long periods of time such as the type of travel that snowbirds undertake each year. And, the available types of travel insurance coverage for snowbirds also vary greatly. Consider whether you will need travel, medical, trip cancellation, emergency medical, or multi-trip emergency insurance coverage

2. Consider all-inclusive coverage:

When your coverage needs span multiple categories, you may want to consider all-inclusive coverage. Depending upon the policy you select, this type of coverage can include emergency medical, trip cancellation, trip interruption, baggage loss/delay, accidental death & dismemberment, and more.

3. Compare rates from at least 3 different companies:

Be sure to shop around with at least 3 different companies before deciding upon a single insurance provider. As you shop, make sure you ask for identical coverage types and limits from each insurance company so that you can get an apples-to-apples comparison.